Welcome to PJ University, where we teach you how to use PayJunction like a pro. Today’s lesson is how to process a credit card by keying it in.
After logging into PayJunction, the process page will automatically load, but if you happen to be on another page, just click “Process” from the menu on the left. Next, enter the card number and select the expiration date. The action is automatically set to charge, but you can also refund, authorize, or force from this menu. Once the desired action is selected, enter the amount to process. Now, enter the billing contact’s first and last name. When you are finished, click “Process.”
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After you’ve done this, a modal will pop up to let you know if the transaction is approved or declined. Here, you will have the option to print or email a receipt to your customer. To email it, click the “Email Receipt” button, then enter your customer’s email address. If you would also like to collect an electronic signature, make sure the “Request Signature” box is checked and click “Send Receipt.” If no signature is required, simply de-select this check box, click “Send Receipt” and your customer will receive their receipt.
To print a receipt, just click the “Print Receipt” button. After you have done this, click “Complete” to finish the transaction.
Businesses on a Tiered rate plan can encounter downgrades on card-not-present transactions if certain fraud-prevention measures are not implemented. For instance, the Address Verification System (AVS) is a recommended fraud-prevention tool for all card-not-present transactions. AVS confirms whether the purchaser knows the billing address associated with the card. Collecting this information and receiving a successful match will result in lower transaction costs. If the address provided does not match the billing address associated with the card, the transaction will downgrade if you choose to proceed.
Being thorough with the information you request for keyed in transactions can reduce your transaction costs and lower your monthly merchant statement. The Card Verification Value (CVV) in another fraud-prevention measure that confirms the purchaser has physical possession of the card. The CVV is usually a three- or four-digit number noted on the card itself. Although CVV is another recommended fraud-fighting measure, it does not affect your transaction costs.
You can customize PayJunction to require certain security measures and transaction fields as you see fit. This will ensure your employees always capture AVS and CVV for keyed in transactions. Being vigilant about security measures can protect your business from theft and chargeback-related losses.
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